I don’t think that would matter, unfortunately. It’s already law starting in 2022.
BTW, my insurance is $1100 a year, noting that govt 3rd party medical is included in our yearly reg fee.
I just checked and the $250 I paid was not for the whole 6 months but from the purchase date to the term end date.. The total for full coverage of the Kona for 6 months is $402, not $250.. still very cheap..